However, the senior made a detailed comparison between Yi Xiangjia and other hot-selling life insurance products, only to know that Yi Xiangjia is not perfect:
"Super complete! Domestic popular life insurance comparison table "
First, the advantages and disadvantages of whole life insurance, a noble family.
Anyway, let's start with a detailed analysis of the security content map of Yixiang's home:
It can be found that the luxury family belongs to the adult whole life insurance, which supports the 75-year-old to take out the highest level of insurance. The content of protection is very simple, only the protection of death and accidental death, as well as the functions of policy loan and reduction.
Let's carefully study the advantages and disadvantages of the insurance clauses of different families.
Advantage 1: With accidental death protection, you can pay 200% of the basic insured amount.
If the causes of death of life insurance products are classified, they can be divided into three categories: natural death, disease and accident.
In fact, there are many life insurance products that only pay 65,438+000% of the insured's insured amount, no matter what kind of death. It has been considerate to add extra compensation to other companies in accidental death. If the insured is under 80 years old and suffers accidental injury and dies within 180 days, he can get 200% of the basic insured amount. This security setting can be said to be
Advantage 2: support policy loans, pay off the relief and prevent breaking off diplomatic relations.
Generally, the prices in whole life insurance are relatively expensive, and the insured needs to insist on paying the premium. If the insured can't continue to pay the premium on time due to the break of the capital chain in the later period, he also has an alternative, that is, policy loan or reducing the payment, and will not choose to surrender, which will bring greater losses to himself.
Compared with those products without this guarantee, Xiangyi Shi Jia can still do well.
Disadvantages: lack of comprehensive disability protection
From the comparison table above, we can find that many life insurance products have total disability protection, but there is no such protection for different families.
If the insured suffers from illness or accident, but does not die, it is physically disabled and cannot get compensation from other families. The coverage is narrower than other products.
In addition to the above comments, there are many places worth seeing in Xiang Yi Family. Due to the limitation of space, senior students will not elaborate. If you are curious about the above contents, don't miss the following articles:
The listing of "Ping An" Enjoy a whole life insurance "reveals the content of protection! 》
Generally speaking, Xiangyi Shi Jia is not a cost-effective product. Although accidental death will pay 200% of the insured amount, it is really unreasonable to lose the very important total disability protection. If you want to pursue comprehensive protection, you can compare several products before deciding whether to buy.
Second, whole life insurance products insurance advice.
Pay attention to the following four aspects when purchasing life insurance products: exemption clause, health notification, insurance amount and premium.
1, exemption clause
Many life insurance products have simple protection clauses, usually based on the death/disability of the insured, so there are usually few exemption clauses, and more than half of them are only three.
Too many exemption clauses will easily lead to the situation that "the insured dies, but the family members can't get the insurance money", which will lead to some claims disputes. We can solve them like this:
Correct Operating Procedures for Claims Disputes
2. Health notification
There's nothing to say about this. It is recommended to buy loose health instructions. The looser, the higher the success rate.
3. Insurance amount and premium
Our insurance budget is 10% of annual income. Suppose that the price of a life insurance product is too high, the pressure of the insured will increase, which will affect our normal life.
Therefore, the premium should not be too expensive, or we should choose some products with appropriate prices according to our own ability.
Generally, the insured amount is 65,438+0,000,000 yuan, because life insurance products are often bought for family pension first. Therefore, it should be considered that after the death of the insured, the insurance money should at least guarantee the life of the insured family, such as the living expenses of a large family, car loans and the expenses of supporting the elderly.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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